I am a writer with ValuePenguin (www.valuepenguin.com), a site that provides consumers with helpful articles and information on financial topics. I’m looking to interview homeowners insurance professionals, home warranty experts, policy holders, attorneys and other sources for the following article: THE DIFFERENCE BETWEEN HOMEOWNERS INSURANCE AND HOME WARRANTY COVERAGE: ARE BOTH WORTH IT, AND WHICH DO YOU FILE A CLAIM WITH? This story will explore what distinguishes a home warranty policy from a homeowners insurance policy, and how to choose which to file a claim with when something goes wrong. Below is a list of questions I’m seeking answers to. I can either conduct a phone or email interview (with the latter, please email me back full-sentence written responses that I can use as quotes). My deadline is noon central time, Thursday, July 2, 2015.
QUESTIONS:1. (This first question is only for homeowners who have both homeowners insurance and a home warranty policy): describe a situation where you weren't sure whether to file a claim with your homeowners insurance or with your home warranty provider. What happened, when, what did you do, and how was it resolved? What is your full name and city/state of residence?2. (The rest of the questions are for insurance, warranty, legal, or financial experts): what is the difference between homeowners insurance coverage and home warranty coverage? Which covers what? 3. Whom is homeowners insurance recommended for and why? Whom is home warranty coverage recommended for and why? What are the respective premiums, deductibles, and out of pocket expenses? 4. When is home warranty coverage recommended, and in what circumstances is it not recommended? 5. Please provide a real world or hypothetical scenario in which a homeowner may find it confusing or difficult to know which to file a claim with when something goes wrong. In this scenario, what do you recommend they do? Is it more advantageous to file a claim with the home warranty or with the homeowners insurance?6. What do you recommend that a home warranty coverage include? What should it cover beyond appliances or systems and why?7. What other tips or suggestions do you recommend for homeowners on this topic?8. Do you have any statistics/data that illustrate this topic in any way? Please cite the source of the data.9. Any other thoughts or ideas on this topic you’d like to offer?10. What is your full name, title, degrees/credentials, company, city/state location, and email address?
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